( in ₹ Millions)

FY 2009/10 2010/11 2011/12

INCOME :
Interest Earned 36,732 40,520 55,584
Interest/discount on advances/bills 28,497 31,688 41,898
Interest on balances with RBI and other interbank funds 299 106 349
Income on investments 7,834 8,680 13,157
Others 102 46 180

Other Income 5,309 5,168 5,323

Commission, exchange, and brokerage 1,053 2,502 2,516
Profit/(loss) on sale of investments (net) 1,077 458 821
Profit on sale of fixed assets 4 3 3
Foreign exchange gains 446 572 842
Dividend received 47 35 51
Provisions written back 1,277 1,461 857
Service fee 877 0 0
Miscellaneous income 528 137 233

TOTAL INCOME 42,041 45,688 60,907

EXPENDITURE
Interest Expended 22,624 23,054 36,050
Interest on deposits 21,683 21,620 33,313
Interest on RBI/interbank borrowings 1 99 485
Other interest 941 1,336 2,252

Net Interest Income 19,417 22,634 24,858

Operating Expenses & Administrative Expenses 6,769 8,361 9,793

Payments to and provisions for employees 3,661 4,804 5,439
Rent, taxes, and lighting 711 796 948
Printing and stationery 89 102 104
Advertisement and sales promotion 105 181 161
Depreciation on bank's property 502 543 567
Director's fees, allowances, and expenses 10 7 7
Auditor's fees and expenses 69 28 45
Law charges 48 54 50
Communication expenses 150 189 276
Repairs and maintenance 193 230 373
Insurance 320 358 435
Other expenses 911 1,069 1,389
Provisions and Contingencies 4,053 5,254 3,370
Provision for investments -977 111 349
Others provisions 5,030 5,143 3,021

Profit Before Tax 8,595 9,018 11,695

Taxes 3,950 3,147 3,927
Profit After Tax 4,645 5,871 7,768
Number of outstanding shares* 855 855 855
Adjusted EPS 5.43 6.86 9.08
Dividend per share 1.00 1.70 1.80
*After adjusting for share split from INR 10 each to INR 2 each done by the company with effect from Oct 2013.
2012/13 2013/14

61,676 69,461
46,357 50,111
564 524
14,646 17,768
109 1,058

6,644 6,938
3,047 3,338
2,058 1,562
2 13
794 1,251
59 147
481 415
0 0
204 212

68,320 76,399

41,929 47,175
38,375 42,095
779 1,121
2,774 3,959

26,391 29,225

11,845 14,421
6,315 7,715
1,327 1,612
126 154
127 206
787 937
8 11
53 58
58 43
323 435
439 413
473 579
1,810 2,255
2,608 2,684
-368 1,116
2,976 1,568

11,938 12,120
3,556 3,731
8,382 8,389
855 855
9.80 9.81
1.80 2.00
FY 2009/10 2010/11 2011/12 2012/13
SOURCES OF FUNDS :
Share capital 1,710 1,710 1,710 1,711
Total reserves 45,194 49,376 55,353 61,936

Deposits 360,580 430,148 489,371 576,149

Demand deposits 18,313 24,058 25,459 29,089
Savings deposit 76,111 91,483 109,299 127,432
Term deposits/fixed deposits 266,156 314,607 354,613 419,627

Borrowings 15,468 18,884 42,410 51,870

Borrowings From Reserve Bank of India 0 1,000 900 3,300
Borrowings From other banks 5,000 0 582 322
Borrowings From other financial institutions 6,881 14,173 27,640 34,339
Borrowings in the form of bonds/debentures 3,200 3,060 0 0
Borrowings From out of India 387 651 13,289 13,909

Other Liabilities & Provisions 13,804 14,446 17,423 18,664

Bills payable 362 243 205 302
Interoffice adjustment liabilities 1,926 1,824 1,637 1,857
Interest accrued 1,452 1,492 2,659 688
Deferred tax liabilities 840 0 642 0
Provision for standard assets 1,452 1,596 1,960 2,454
Proposed dividend 855 1,454 1,539 1,540
Corporate dividend tax payable 142 236 250 262
Other liabilities and provisions 6,775 7,601 8,531 11,563

Total Liabilities 436,756 514,564 606,268 710,329

APPLICATION OF FUNDS :
Cash and Balance with Reserve Bank of India 23,189 29,351 24,241 27,425
Cash with RBI 20,420 26,024 20,283 22,136
Cash in hand and others 2,769 3,327 3,958 5,289

Balances with banks and money at call 4,045 8,133 11,084 9,775
Bank balance and call money in India 3,820 7,136 9,678 6,890
Bank balance and call money outside India 226 997 1,406 2,885

Investments in India 130,546 145,377 174,025 211,546

Government of India/state government securities 92,775 99,645 115,312 145,751
Approved securities - others 8 4 0 0
Equity shares - corporate 1,796 1,681 1,907 2,564
Debentures and bonds 6,498 6,053 9,604 8,017
 Preference shares - corporate 0 0 0 0
Subsidiaries and/or joint ventures/associates 1,270 2,170 3,959 3,980
Others (Mutual Fund units, Priority sector
deposits, Pass Through Certificates, Certificates
of deposit/Commercial paper) 28,199 35,824 43,242 51,234
Other investments 0 0 0 0
Investments outside India 0.0 0.0 0.0 0.0

Advances 269,501 319,532 377,560 440,967

Bills purchased and discounted 12,167 8,986 18,538 14,939
Cash credit, overdraft and loans repayable 139,032 174,115 216,832 265,154
Term Loans 118,302 136,431 142,189 160,874

Capital Work in progress 0 0 0 24

Net block 2,898 2,898 3,261 3,975
Other assets 6,577 9,273 16,096 16,618

Total Assets 436,756 514,564 606,268 710,329

 2013/14

1,711
67,795

597,313
33,796
152,843
410,674

56,880
4,450
322
39,033
1,978
11,096

22,243
228
1,928
1,726
2,857
2,456
1,711
279
11,058

745,941

31,043
25,001
6,042

14,251
5,733
8,518

241,179
158,231
0
1,758
11,361
 0
3,980

65,850
0
0.0

434,361
13,029
229,775
191,558

226
4,023
20,859

745,941